Call reports 2012
SMARTBIZ BANK, N.A. — 2012
What SMARTBIZ BANK, N.A. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 94,718,000 | 90,038,000 | 80,119,000 | 73,947,000 |
| Total loans | 57,203,000 | 54,735,000 | 49,102,000 | 44,666,000 |
| Allowance for loan losses | 4,021,000 | 3,895,000 | 3,162,000 | 3,985,000 |
| Securities available for sale | 14,640,000 | 13,817,000 | 12,925,000 | 12,005,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,191,000 | 78,116,000 | 70,378,000 | 64,606,000 |
| Interest-bearing deposits | 77,842,000 | 72,243,000 | 65,996,000 | 59,558,000 |
| Noninterest-bearing deposits | 5,349,000 | 5,873,000 | 4,382,000 | 5,048,000 |
| Equity capital | 9,581,000 | 9,157,000 | 7,992,000 | 7,560,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 706,000 | 1,375,000 | 1,942,000 | 2,495,000 |
| Interest expense | 211,000 | 378,000 | 526,000 | 653,000 |
| Net interest income | 495,000 | 997,000 | 1,416,000 | 1,842,000 |
| Noninterest income | 20,000 | -26,000 | -520,000 | -542,000 |
| Noninterest expense | 1,018,000 | 1,813,000 | 2,930,000 | 4,012,000 |
| Provision for loan losses | 375,000 | 475,000 | 475,000 | 1,725,000 |
| Pretax income | -878,000 | -1,317,000 | -2,509,000 | -4,437,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -878,000 | -1,317,000 | -2,509,000 | -4,437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,574,000 | 9,136,000 | 7,943,000 | 7,515,000 |
| Total capital | 10,460,000 | 9,999,000 | 8,749,000 | 8,251,000 |
| Risk-weighted assets | 67,718,000 | 66,051,000 | 62,159,000 | 55,603,000 |